John,
The Trail Friendly is out of the box at the very bottom of the bands.
If you operate mostly SSB it will need to be shortened quite a bit.
The instructions are in the manual available online here: http://www.lnrprecision.com/wp-content/uploads/2012/06/EFT10-20-40-Trail-Friendly1.pdf
Instead of “cutting” the wire I recommend pulling it through the insulator and wrapping it tightly back around itself. That way you can retune for a different location or portion of the band later if you need to.
John,
By “tuning” do you mean using a tuner or shortening the wire by wrapping it around itself at the end insulator? Once the EF or EFT-10/20/40 is made resonate by folding the wire back on itself it can be used without a tuner.